Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
14-6244
For Prothonotary Use Only: S upr�em'e �Gourt of P�e nnsylvani�a. I 41' C a n r faf' Pa r�r + n Pleas s "ivil4gbv � Sheet . Cumbe land „ Docket No. �Ciaullnty t foaq I rm The information collected on this farm is used solely for court administration purposes. This form does not supplement or replace thefiling and sen4ee of leadin s or other pa vers as required 6y lain or rules of court. Commencement of Action: S 0 Complaint ❑ Writ of Summons ❑ Petition E ❑Transfer from Another Jurisdiction ❑ Declaration of Taking C Lead Plaintiffs Name:Household Finance Consumer Discount Company Lead Defendant's Name:Denise M.Losch T I Are there money damages requested? ❑ Yes ® No Dollar Amount Requested: ❑within arbitration limits 0 (check one) ❑outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: McCabe, Weisberg&Conway, P.C. ❑ Check here if you have no attorney(a Self-Represented [Pro Sef Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. if you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑Buyer Plaintiff Administrative Agencies ❑Malicious Prosecution ❑Debt Collection: Credit Card ❑ Board of Assessment ❑Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑Nuisance ❑ Department of Transportation ❑ Premises Liability(does not include ❑ Statutory Appeal: Other S mass fort) E ❑ Slander/Libel/Defamation ❑ Employment Dispute: ❑Other: Discrimination C ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other I O ❑ Other MASS"PORT N ❑Asbestos ❑Tobacco ❑Toxic Tort-DES ❑Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS B ❑Toxic Waste ❑Common Law/Statutory Arbitration ❑Ejectment rY ❑ Other: ❑Eminent Domain/Condemnation ❑ Declaratory Judgment ❑Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑Non-Domestic Relations ®Mortgage Foreclosure:Residential Restraining Order Quo Warranto PROFESSIONAL L1AB1L1"I'1' ❑ Mortgage Foreclosure:Commercial ❑Q ❑Dental ❑ Partition ❑ Replevin ❑ Legal ❑Quiet Title ❑Other: ❑Medical ❑Other: ❑Other Professional: Updated 1/1/2011 McCABE,WEISBERG & CONWAY,P.C. BY: TERRENCE J. McCABE, ESQUIRE— ID# 16496 MARC S. WEISBERG, ESQUIRE— ID # 17616 EDWARD D. CONWAY, ESQUIRE—ID#34687 c � MARGARET GAIRO, ESQUIRE-ID #34419 - - rn Wo _7 ANDREW L. MARKOWITZ, ESQUIRE ID #28009 Z:m c{ r-�- HEIDI R. SPIVAK, ESQUIRE- ID#74770 Ujr MARISA J. COHEN, ESQUIRE-ID#87830 CHRISTINE L. GRAHAM, ESQUIRE-ID#309480 CD- BRIAN T. LAMANNA, ESQUIRE- ID#310321 zc ANN E. SWARTZ, ESQUIRE-ID #201926 ' JOSEPH F. RIGA, ESQUIRE-ID#57716 JOSEPH I. FOLEY, ESQUIRE-ID #314675 CELINE P'. DERKRIKORIAN, ESQUIRE-ID#313673 JENNIFER L. WUNDER,ESQUIRE-ID #315954 LENA KRAVETS, ESQUIRE-ID #316421 CAROL A. DiPRINZIO, ESQUIRE- ID#316094 ' 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 IN THE COURT OF COMMON PLEAS OF PENNSYLVANIA FOR CUMBERLAND COUNTY HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY, CIVIL ACTION NUMBER: 636 GRAND REGENCY BLVD BRANDON FL 33510 14 &ol7q N1 1 `reN Plaintiff, COMPLAINT IN MORTGAGE FORECLOSURE V. DENISE M. LOSCH 315 9TH STREET NEW CUMBERLAND, PENNSYLVANIA 17070 AND STEPHEN L. LOSCH 3159 TH STREET NEW CUMBERLAND, PENNSYLVANIA CS) 17070 4116 . 76 PO Defendant(s). aa9 a(� 31 a.(o&7 PA Complaint l-A(CML Owner) 04JUN14ver4.0 1 CIVIL ACTION/MORTGAGE FORECLOSURE 1. This is an action to foreclose a mortgage brought on behalf of Plaintiff HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY. 2. The Defendant(s), STEPHEN L. LOSCH and DENISE M. LOSCH ("Mortgagor(s)") are the real owner(s) of the mortgaged property hereinafter described. The last known address of Mortgagor(s) is 315 9TH STREET, NEW CUMBERLAND, PENNSYLVANIA 17070. 3. Attached hereto as Exhibit A is a true and accurate copy of the promissory note and/or loan agreement ("Note") bearing the date of 04/24/2006, in which DENISE M. LOSCH and STEPHEN L. LOSCH promised to pay the sum of$164,794.11 ("Loan"). 4. Attached hereto as Exhibit B is a true and correct copy of the mortgage ("Mortgage"), dated 04/24/2006 and bearing the names of Mortgagors, as the mortgagors, on real estate together with all improvements thereon, located at 13 KIM ACRES DRIVE, MECHANICSBURG, PENNSYLVANIA 17055 ("Real Estate"). The Mortgage was duly recorded on 05/02/2006, as Book 1948 and Page 4847, in the Office of the Recorder of Deeds of CUMBERLAND County,Pennsylvania. 5. The Real Estate subject to the Mortgage is described in the legal description attached hereto as Exhibit C. 6. The Mortgage is in default because the payments due and secured by the Mortgage have not been made. The Loan is currently due for the 08/2012 payment and all payments thereafter. 7. The business records maintained by the Plaintiff, demonstrate that the Notice of Homeowner's Emergency Assistance Program was mailed by regular mail with a certificate of mailing from the post office and by registered or certified mail to Mortgagor(s) at Mortgagor(s) PA Complaint 1-A(CML Owner) 04JUN14ver4.0 2 last known address ("Notice") on the date set forth in the Notice. A true and accurate copy of the Notice is attached as Exhibit D. A separate Notice of Intention to Foreclose was not mailed to Mortgagor(s) that are less than 24 months delinquent and less than$60,000.00 in arrears. 8. As of 10/09/2014, there is due and owing amounts secured by the Mortgage in the sum of$194,611.46, which amount due includes the following: Principal Balance: $142,988.14 Interest through 10/09/2014 at the Current Rate of 6.57700%: $41,174.80 Advances for Taxes: $10,511.93 Advances for Hazard Insurance: $0.00 Advances for Private Mortgage Insurance: $0.00 Total: $194,674.87 Less Suspense Balance or Escrow surplus, if any: $63.41 Less Restricted Escrow Balance, if any: $0.00 Total Amount Due or Owed: $194,611.46 The per diem interest due from 10/10/2014 is $36.7852. These itemized amounts may not include all fees currently due and owing under the Note and secured by the Mortgage, including certain late fees, inspection charges, property preservation expenses, and attorney's fees, since Plaintiff has decided to forgo collecting those fees, but that decision does not indicate that such fees were not properly due and owing at the time of any prior communications to the borrower(s) on the Note. PA Complaint 1-A(CML Owner) 04JUN14ver4.0 3 WHEREFORE, Plaintiff demands in rem judgment against the Defendant in the sum of $194,611.46, together with the current interest at the rate of 6.57700% and other costs and charges collectible under the Mortgage and for the foreclosure and sale of the mortgaged property. McCABE,WEISBERG & CONWAY,P.C. B y: f PIMP [ ]Terrence J.McCa e,Esquire(16496) [ ]Marc S.Weisberg,Esquire(17616) [ ]Edward D.Conway,Esquire (34687) ,k Margaret Gairo,Esquire(34419) [ ]Andrew L.Markowitz,Esquire(28009) [ ]Heidi R.Spivak,Esquire(74770) [ ]Marisa J.Cohen,Esquire(87830) [ ] Christine L.Graham,Esquire(309480) [ ]Brian T.LaManna,Esquire(31032 1) [ ]Ann E.Swartz,Esquire(201926) [ ]Joseph F.Riga,Esquire(57716) [ ]Joseph I.Foley,Esquire(314675) [ ]Celine P.DerKrikorian,Esquire(313673) [ ]Jennifer L.Wunder,Esquire(315954) [ ]Lena Kravets,Esquire(3 1642 1) [ ] Carol A.DiPrinzio,Esquire(316094) Attorneys for Plaintiff VERIFICATION I am a VP and Asst 800 of the Administrative Services Division of the Plaintiff and do hereby verify that I am authorized to and'do make this verification on behalf of the Plaintiff and the facts set forth in paragraphs 1 through 8 of the foregoing Complaint are true and correct to the best of my information and belief. I understand that false statements therein are made subject to the penalties relating to unsworn falsification to authorities. By: 1 D�I T I q Sign - / *orbn Printed Name of Signatory On behalf of HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY VP and Asst.Sec, Its: AdminServ.Div Signatory's Title PA Complaint 1-A(CML Owner) 04JUN14ver4.0 4 (Page 2, of 8) , LOAN AGREEMENT Including Truth-in-Lending Disclosure Lender: (Called"We", "Us", "Our") HOUSEHOLD FINANCE CONSUMER DISCOUNT COMPANY 25 GATEWAY DRIVE GATEWAY SQUARE/SUITE 107 MECHANICSBURG, PA 17055 Borrowers:(Called"You", "Your") DENISE M. LOSCH STEPHEN L. LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055 Date of Loan: 04/24/2006 Loan Numbers7971 In this agreement,"you","your"mean the Borrowers)who signs this agreement."We","us"and"our" refer to the Lender. This agreement covers the terms and conditions of your loan. It is important to us that you clearly understand the features of your loan. Please read this agreement carefully,and ask us any questions you may have. Truth-in-lending Disclosure ANNUAL FINANCE CHARGE Amount Financed Total of Payments PERCENTAGE RATE The dollar amount The amount of The amount you will The cost of your credit the credit will cost credit provided to have paid after you have as a yearly rate. you. you or on your made all payments as behalf, scheduled. 8.781% $187,556.64("e") $162,998.40 $350,555.04("e") Your payment schedule will be: Number of Payments Amount of When Payments are Due("e") Payments 1 $1,521.72 Day 24 of each month thereafter. 11 $1,521.72 Day 24 of each month thereafter. 12 $1,500.53 Day 24 of each month thereafter. 12 $1,480.15 Day 24 of each month thereafter. 12 $1,460.60 Day 24 of each month thereafter. 12 $1,441.91 Day 24 of each month thereafter. 12 $1,424.13 Day 24 of each month thereafter. 04/24/2006 19:03 Page 1 of 7 0315LE04 111111111111111111 Hill 111111111111111 IN 1111111111111111111 oil 11111111111 1110 all 0 111111111111111Ill 1111111111111 IN -LF3CCJ0808-95-CET-9-000-0315LE-2-1-0--LOSCH"ORIGINAL EXHIBIT A (Page 31 of 8) t 12 $1,407.27 Day 24 of each month thereafter. 12 $1,391.36 Day 24 of each month thereafter. 12 $1,376.45 Day 24 of each month thereafter. 12 $1,362.54 Day 24 of each month thereafter. 132 $1,349.66 Day 24 of each month thereafter. "e"means an estimate i YOU ARE GIVING US A SECURITY INTEREST IN THE REAL PROPERTY AS DESCRIBED IN THE MORTGAGE AND LOCATED AT: 13 KIM ACRES DR MECHANICSBURG, PA 17055 Late Charge If your monthly installment is not paid in full within 10 day(s)after it is due,you will be charged a late charge equal to 5%of the full amount of the monthly installment. Prepayment You may prepay your loan in full or in part at any time. If you pay off your loan early, you may have to pay a penalty and you will not be entitled to a refund of that part of the Finance Charge consisting of any prepaid finance charges. See your contract documents for any additional information about nonpayment,default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. The Settlement Statement provides your disbursements and the itemization of the Amount Financed. The figure disclosed in the Annual Percentage Rate box on page one is a composite Annual Percentage Rate which reflects the effect of the various interest rate reductions over the term of your loan.Your payment schedule assumes that all payments are received on the due date. See the "Adjustment to Contract Rate(Pay Right Rewards Program)"section of this agreement. ABOUT THE SECURITY: Your Obligation to Insure You shall keep the structures located on the real property securing your loan insured against damage caused by fire and other physical hazards, name us as a loss payee and deliver to us a loss payable endorsement. If insurance covering the real property is canceled or expires while your loan is outstanding and you do not reinstate the coverage,we may obtain,at our option, hazard insurance coverage protecting our interest in the real property as outlined below. Real Property Taxes and Homeowners Insurance covering fire and other hazards on the real Homeowners Insurance property security is required, naming us as a loss payee for the term 04/24/2006 19:03 Page 2 of 7 - i Illi X11111 lflil 181�I l�qlf I I�111>I�I I11111IIlll l�X1111[«Ili ll�ll�1111 illi illll 11111 1111 llB 11111 l>ll�l l 1111 LOSCH^ORIGINAL EXHIBIT A (Page 4' of 8) ' I of your loan. You shall pay us on the day that monthly installments are due under this agreement, an additional sum(the"Funds")to be used to provide for payment of amounts due for;(a)taxes and assessments and other items which can attain priority over the Mortgage as a lien or encumbrance on the real property;(b) leasehold payments or ground rents on the real property, if any; (c) premiums for any and all insurance required by us under this agreement and the Mortgage("Escrow Items"). You will pay us the Funds for Escrow Items unless we waive your obligation to pay the Funds for any or all Escrow Items. We may waive your obligation to pay us Funds for any or all Escrow Items at any time.Any such waiver must be in writing. In the event of such waiver, you will be solely responsible for paying the amounts due for any Escrow Items directly and,if we require, you shall furnish us with receipts evidencing such payment within such time period as we may reasonably require. Title insurance Title insurance on the real property security is required, naming us as a loss payee.You must purchase title insurance or its local equivalent protecting our lien on the real property as a condition to obtaining your loan. You may purchase title insurance from any title insurance provider you choose that we reasonably believe provides sufficient financial protection to us. You request such title insurance and authorize us to deduct the costs of the title insurance from your loan proceeds in order to pay the title insurance provider. Lender's Right to Place You authorize us, at our option,to obtain hazard insurance coverage Hazard Insurance on the real property in an amount not greater than the outstanding balance of principal and interest on your loan or,if known to be less, the replacement value of the real property,in the event that you fail to maintain the required hazard insurance outlined above or fail to provide adequate proof of its existence. You authorize us to charge you for the costs of this insurance. We may choose to add the insurance charges to the unpaid balance of your loan,which will accrue interest at the Contract Rate,or bill you for the annual premium on a periodic basis. The addition of the insurance charges due might increase the amount of your final monthly installment. The cost of lender-placed hazard insurance might be higher than the cost of standard insurance protecting the real property. The lender-placed insurance will not insure the contents of the real property or provide liability coverage.The insurance might not be the lowest cost coverage of its type available and you agree that we have no obligation to obtain the lowest cost coverage. We or an affiliated company might receive some benefit from the placement of this insurance and you will be charged for the full cost of the premium without reduction for any such benefit. If at any time after we have obtained this insurance,you provide adequate proof that you have subsequently purchased the required coverage,we will cancel the coverage we obtained and credit any unearned premiums to your loan. 04/24/2006 19:03 Page 3 of 7 i IIISX11�I1I1�191111 IN11faIf1111111111111111oil 1111aIliIN11111iNIIIEI[Il1111@11111111 LOSCH^ORIGINAL EXHIBIT A i (Page 5 of 8)4 I ABOUT YOUR LOAN REPAYMENT: SCHEDULED MATURITY DATE 04/24/2027 PREPAID FINANCE CHARGES $1,595.71 MONTHS OF CONTRACT 252 PRINCIPAL $164,794.11 CONTRACT RATE(per year) 9.590% JOINT CREDIT LIFE $168.75 AMOUNT FINANCED $162,998.40 Promise to Pay You agree to the terms of this agreement and promise to pay us the principal (Amount Financed plus prepaid finance charges consisting of Origination Fee/Points and Closing Fee)plus interest which is computed at a rate of 9.590%(the"Contract Rate"). You agree to pay us in monthly installments as stated in the Payments provision of this agreement. You also agree to pay us:(a)other charges as provided in this agreement;(b)credit insurance charges, if any; (c)collection costs permitted by applicable law, Including reasonable attorneys'fees otherwise due under your Mortgage and(d)any other charges reflected in your settlement statement, Interest Interest will be charged on the unpaid principal until the full amount of principal has been paid. You will pay us interest at a yearly Contract Rate of 9.590%. The interest rate you will pay will change in accordance with the "Adjustment to Contract Rate(Pay Right Rewards Program)"section of this agreement. The interest rate required by this provision(and the Adjustment to Contract Rate[Pay Right Rewards Program] provision of this agreement)is the rate you will pay both before and after any default as described in this agreement. Payments Time and Place of Payments You will pay us principal and interest by paying your monthly installments. You will make your monthly installments to us on the same day of each month beginning on or about 05/24/2006.You will make these monthly installments every month until you have paid all of the principal and interest and any other charges described herein that you may owe under this agreement. Your monthly installments will be applied to interest before principal. If,on the Scheduled Maturity Date, 04/24/2027, you still owe amounts under this agreement, you will pay those amounts in full on that date, which amount will include interest at the then current Contract Rate or any such other rate as required by law. 04/24/2000 19:03 Page 4 of 7 - i 111111 IIII 1>f X111 liil IIII 111111119 111111 IT 1111111111 oil 1111111111110 1111Ill!M Ill I11111l IT I all LOSCH"ORIGINAL EXHIBIT A (Page 6 of 8) ' You will make your monthly installments at the address shown on page one or at the address shown on your monthly billing statement or at a different place that we may give you. Amount of Monthly Installments Your initial monthly installment will be in the amount of $1,521.72, plus the amount of any optional insurance you elected. Your monthly installment amount will change if the interest rate that you must pay changes.We will determine your new interest rate and the changed amount of your monthly installment in accordance with the Adjustment to Contract Rate(Pay Right Rewards Program)provision of this agreement. Adjustment to Contract Rate The Contract Rate of 9.590%will decrease by 0.20%beginning with (Pay Right Rewards the thirteenth(13th)month after every twelve(12)consecutive monthly Program) periods where all monthly installments were made in full within 30 days of their due date. Up to a maximum of 10 Contract Rate reductions are available during the term of your loan. For each Contract Rate reduction,the monthly installment will be reduced accordingly. Notwithstanding anything to the contrary in this paragraph,you will not receive any Contract Rate reductions or the reduced monthly installment after 24 periods of delinquency. A"period of delinquency" is defined as any monthly installment that is received more than 30 days past its due date. Consecutive monthly installments received more than 30 days past their respective due dates each count as separate periods of delinquency. Prepayment Subject to the prepayment penalty described below, you may prepay your loan in full or in part at any time. If you pay off your loan early, you may have to pay a penalty and you will not be entitled to a refund of that part of the Finance Charge consisting of any prepaid finance charges. Prepayment Penalty Your loan contains a prepayment penalty. If you prepay the entire outstanding balance of your loan at any time within 24 months of the Date of Loan, 04/24/2006,you agree to pay a prepayment penalty equal to 6 months interest calculated at the Contract Rate in effect at the time of prepayment on the unpaid principal balance. No prepayment penalty will be imposed:(a)if your loan is refinanced by another loan with us;(b)after 24 months;(c)if your loan is prepaid from the proceeds of any insurance;or(d)if we sue you. Late Charge If your monthly installment is not paid in full within 10 day(s)after it is due, you will be charged a late charge equal to 5%of the full amount of the monthly installment. Bad Check Charge You agree to pay$20.00 each time any check or payment is made on your loan by any means,including but not limited to, a check or ACH (our Authorization to Debit Account),which is returned unpaid by your bank or other financial institution for any reason. Additional Charges You agree to pay any amounts actually incurred by us for services rendered in connection with the opening and servicing of your loan, as allowed by law. These amounts may include fees for appraisals, title 04/24/2006 19:03 Page 5 of 7 _ II[[Illll�llllVIIII�IIII�IIa/l�IIIIII��IIIII[III�I�IlIlIi�II�II�111111IIIIIIIIlIIIlIII!>!gl>IIIIIIIIIIIII/ "LOSCH"ORIGINAL EXHIBIT A (Page 7' of 8) 4 examination, title insurance or its local equivalent,fees and taxes paid to public officials in connection with recording, releasing or satisfying the Mortgage and other taxes as shown in the Settlement Statement incorporated herein by this reference. You also agree to pay any other amounts incurred by us in connection with the servicing of your loan including any amounts that we may(but need not)pay or that are otherwise due under the Mortgage, incorporated herein by this reference. Default If you fail to make any monthly installment after it becomes due or fail to comply with the terms of the Mortgage,we may require that you pay us, at once and without prior notice or demand,the unpaid balance of your loan plus accrued interest and any applicable charges in this agreement as authorized. Security Interest You agree to give us a security interest in the real property as described in the Mortgage. ABOUT OUR RELATIONSHIP: Exchange of Information You understand and agree that we will call you from time to time to discuss your financial needs and any loan products that may be of interest to you as may be permitted by applicable law. For more information regarding our privacy practices, please refer to our Privacy Statement,which is included with your loan documents. You agree that the Department of Motor Vehicles(or your state's equivalent of such department)may release your residence address to us, should it become necessary to locate you. Credit Bureau Reporting If you fail to fulfill the terms of your loan, a negative report reflecting on your credit record may be submitted to a Credit Reporting Agency. Telephone Monitoring You agree that we may listen to and/or record telephone calls between you and our representatives for quality assurance purposes. Insurance Credit insurance is optional.Any applicable insurance disclosures are included with this agreement and are incorporated herein by this reference. Alternative Dispute The terms of the Arbitration Rider signed by you as part of your loan Resolution transaction are incorporated herein by this reference. Applicable Law If you do not pay the full amount of an installment when it is due, and we intend to foreclose on the Mortgage,we must comply with the provisions of Section 403 and 404 of the Act of January 30, 1974, which is known as Act No. 6, and the provisions of the Homeowner's Emergency Mortgage Assistance Act(Act No. 91 of 1983). If this loan is a first mortgage, it is a federally related loan made at an agreed rate authorized by Section 501(a), Part A,Title V, Public Law 96-221,also known as Section 1735f--7(a),Title 12, United States Code. 04/24/200619:03 Page 6 of 7 - Illll ll�111 illi//ll�ill 111 1111 lel 1111 l 11 ll111/illi 111111111111 ill 1111111111111 1111111111011111111111 LOSCH^ORIGINAL EXHIBIT A (Page 8 of 8), If any provision of this agreement is finally determined to be void or unenforceable under any law, rule, or regulation, all other provisions of this agreement will remain valid and enforceable.Our failure to enforce any provision(s)to this agreement shall not be deemed to constitute a waiver of such term(s). In order for any amendment to this agreement to be valid, it must be agreed to by you and us. You acknowledge that before signing this agreement,you have read and received this agreement which includes the Federal Truth-in-Lending disclosure and,as applicable, any other riders and/or disclosures incorporated herein by reference.By signing below,you agree to observe the terms and conditions of this agreement. ANY ADVANCE OF FUNDS PURSUANT TO THIS LOAN AGREEMENT AND THE MORTGAGE WHICH SECURES THE AGREEMENT MAY,IN THE EVENT OF ANY DEFAULT, RESULT IN THE LOSS OF YOUR HOME OR OTHER REAL PROPERTY PLEDGED AS SECURITY FOR YOUR LOAN. Borrower. s Date: a q/0(� NISE M. LOSCH Borrower: Date: SYEPHEN L. LOSCH Witness: 04/24/2006 19:03 Page 7 of 7 - I111111 X11 Ill VIII Illlllll III IIII IIII�ISI VIII IIIA IIII IIS�1111��IIII If��lI[Illi SII Ili I��SII IIII( I SII LOSCH A ORIGINAL EXHIBIT A (Page 1' of 10)' (Page 1 of 10) s Thi instrument wa p epared by: HOU$EH CE CORPOFAT P{p A.. 9: 4 255 GOMM Suite 107 X00611hy 2 Pfd 12 24 ,ep17056 eturn o: Records Processing Services 577 Lamont Road Elmhurst,IL 601.26 (800) 547-8776 MORTG A G E IF BOX IS CHECKED, THIS MORTGAGE IS AN OPEN-END MORTGAGE AND SECURES FUTURE ADVANCES. THIS MORTGAGE is made this day 24TH of APR 1 L 2006 , between the Mortgagor,STEPHEN L. LOSCH AND DENISE M. LOSCH, HUSBAND AND WIFE — (herein " rrower" and Mortgagee HOUSEHOLD F I NANCE CONSUMER D I SCOUNT COMPANY a corporation organized and existing under the laws of PENNSYLVANIA whose address is 25 GATEWAY DRIVE, GATEWAY SQUARE/SUITE 107, MECHANICSBURG, PA 17055 herein "Lender"), The following paragraph preceded by a checked box is applicable. ILI WHEREAS, Borrower is indebted to Lender in the principal sum of$ 184,7514,11 evidenced by Borrower's Loan Repayment and Security Agreement or Secondary Mortgage Loan Agreement dated APR I L 24, ZOOS and any extensions or renewals thereof (herein "Note"), providing for monthly installments of principal and interest, including any adjustments to the amount of payments or the contract rate if that rate is variable, with the balance of the indebtedness, if not sooner paid,due and payable on APR I L ?A, 2027 F-1 WHEREAS, Borrower is indebted to Lender in the principal sum of$ , or so much thereof as may be advanced pursuant to Borrower's Revolving Loan Agreement dated and extensions and renewals thereof (herein "Note"), providing for monthly installments, anE interest at the rate and under the terms specified in the Note, including any adjustments in the interest rate if that rate is variable, and providing for a credit limit stated in the principal sum above and an initial advance of$ TO SECURE to Lender the.repayment of (1) the indebtedness evidenced by the Note, with interest thereon, including any increases if the contract rate is variable; (2) future advances under any Revolving Loan Agreement; (3) the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Mortgage; and (4) the performance of the covenants and agreements of Borrower herein contained, Borrower does hereby mortgage, grant and convey to Lender and Lender's successors and assigns the following described property located in the County of CUMBERLAND Commonwealth of Pennsylvania: SEE EXHIBIT A—LEGAL D15SCRIPTION HE oAiciNAL BK 1948PG4847 EXHIBIT (Page of 10) (Page 2 of 10) -2- TOGETHER with all the improvements now or hereafter erected on the property, and all easements, rights,appurtenances and rents, all of which shall be deemed to be and remain a part of the property covered by this Mortgage; and all of the foregoing, together with said property (or the leasehold estate if this Mortgage is on a leasehold)are hereinafter referred to as the"Property." Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower shall pay when due the principal of,and interest(including any variations in interest resulting from changes in the Contract Rate that may be specified in the Note)on, the debt evidenced by the Note and any prepayment charges and late charges due under the Note. Borrower shall also pay funds for Escrow Items pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S. currency. However, if any check or other instrument received by Lender as payment under the Nbte or this Security Instrument is returned to Lender unpaid,Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality,or entity;or(d) Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 12. Lender'may return any payment or partial payment if the payment or partial payments are insufficient,to bring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds,will be applied to the outstanding principal balance under the Note immediately prior to foreclosure; No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2 or as may be required by the Note and/or applicable law,all payments accepted and applied by Lender shall be applied in the following order of priority: (a) interest due under the Note; (b) principal due under the Note; (c)amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges,second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment 11-11-05 WG - I��I IIII III VIII IIII III X01111 III I lal Illll Iia X1111111101 I�SII 1111 loll I�nB lal I�IIII I��Ian II1 X11 I��1011� LOSCH ORIGINAL 1 ou 1948PG4848 EXHIBIT l (Page 3 of 16) (Page 3 of 10) -S- and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full.To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Volunatary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Peridic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, These items are called "Escrow Items," At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time, Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if Lender requires,shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and agreement" is used in Section 7. If Borrower is obligated to pay Escrow Items directly, pursuant to a waiver,and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section 7 and pay such amount and Borrower shall then be obligated under Section 7 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 12 and,upon such revocation, Borrower shall pay to Lender all Funds,and in such amounts,that are then required under this Section 3. Lender may,at any time,collect and hold Funds in an amount (a) sufficient to permit Lender to apply the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can require under the Real Estate Settlement Procedures Act (12 U.S.C,Section 2601 et seq.)and its implementing regulation,Regulation X (24 C.F.R.Part 35000,as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this security instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a"federally related mortgage loan"even if the loan does not qualify as a"federally related mortgage loan" under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable Law, The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality,or entity (including Lender, if Lender is an institution whose deposits are so insured) 11-11-05 MTG 111111911 M 111111111111111111111 IIIA 1113I111111II l 1111111II 111111 IN ill 1111111111111111111111111 IN oil MI 111111111111111111 "LOSCH M ORIGINAL I948PG4849 EXHIBIT (Page 4 of 10= (Page 4 of 10) 1 -4- or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge,an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA,but in no more than.12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Prior Mortgages and Deed of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes,assessments and other charges,fines and impositions attributable to the Property which may attain a priority over this Mortgage, and leasehold payments or ground rents,if any. 3. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and such other hazards as Lender may require. The insurance carrier providing the insurance shall be chosen by the Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender.Lender shall have the right to hold the policies and renewals thereof,subject to the terms of any mortgage,deed of trust or other security agreement with a lien which has priority over this Mortgage. In the event of loss. Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof of loss if not made promptly by Borrower. If the Property is abandoned by Borrower,or if Borrower fails to respond to Lender within 30 days from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Mortgage. j 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any lease if this i Mortgage is on a leasehold.If this Mortgage is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declaration or covenants creating or i 11-11-05 MTG !111111 I II I II IIIII lI�I IIII i�lll!II�IIS alb efll I IIII IIS III IQI ISI SII��IIII Ilfl fill���fil IIIN ILII qll aU a I D� LOSCH ■ ORIGINAL BK 1948PG4850 EXHIBIT (Page of 10) (Page 5 of 10) -5- governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development,and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Mortgage,or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances,disburse such sums,including reasonable attorneys'fees,and takesuch action as is necessary to protect Lender's interest. Any amounts disbursed by Lender pursuant to this paragraph 7,with interest thereon,at the contract rate,shall become additional indebtedness of Borrower secured by this Mortgage. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof.Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder. 8. Inspection.Lender may take or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Property,or part thereof,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender,subject to the terms of any mortgage, deed of trust or other security agreement with a 1 ien which has priority over this Mortgage. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Mortgage granted by Lender to any successor in interest of Borrower shall not operate to release,in any manner,the liability of the original Borrower and Borrower's successors in interest.Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Mortgage by reason of any demand made by the original Borrower and Borrower's successors in interest.Any forbearance by Lender in exercising any right or remedy hereunder,or otherwise afforded by applicable law,shall not bea waiver of or preclude the exercise of any such right or remedy. 11.Successors and Assigns Bound;Joint and Several Liability;Co-signers.The covenants and agreements herein contained shall bind,and the rights hereunder shall inure to,the respective successors and assigns of Lender and Borrower,subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several.Any Borrower who co-signs this Mortgage,but does not execute the Note, (a) is co-signing this Mortgage only to mortgage, grant and convey that Borrower's interest in the Property to Lender under the terms of this Mortgage,(b)is not personally liable on the Note or under this Mortgage,and(c)agrees that Lender and any other Borrower hereunder may agree to extend, modify,forbear,or make any other accommodations with regard to the terms of this Mortgage or the Note without that Borrower's consent and without releasing that Borrower or modifying this Mortgage as to that Borrower's interest in the Property. 12.Notice.Except for any notice required under applicable law to be given in another manner,(a)any notice to Borrower provided for in this Mortgage shall be given by delivering it or by mailing such notice by certified mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein,and (b)any notice to Lender shall be given by certified mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein.Any notice provided for in this Mortgage shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13.Governing Law;Severability.The applicable law contained in the Note shall control.Where no applicable law is contained therein,the state and local laws applicable to this Mortgage shall be the laws of the jurisdiction -05 icG lIII11I111111i1111111i�111i�figEli,�i11,1�111,uu1 applicability 11-11-OS MTG "LOSCH M ORIGINAL BK 19 4 8 PG 4 8 5 1 : ` EXHIBIT B r (Page 6 of 10) (Page 6 of 10) -6- of Federal law to this Mortgage. in the event that any provision or clause of this Mortgage or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Mortgage or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Mortgage and the Note are declared to be severable. As used herein, "costs," "expenses" and "attorneys' fees" include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Mortgage at the time of execution or after recordation hereof. 15.Rehabilitation Loan Agreement.Borrowershall fulfill all of Borrower's obligations under any home rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lender,at Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender,an assignment of any rights,claims or defenses which Borrower may have against parties who,supply labor,materials or services in connection with improvements made to the Property. 16. Transfer of the Property. If Borrower sells or transfers all or any part of the Property or an interest therein, excluding (a) the creation of a lien or encumbrance subordinate to this Mortgage, (b) a transfer by devise, descent, or by operation of law upon the death of a joint tenant, (c) the grant of any leasehold interest of three years or less not containing an option to purchase, (d) the creation of a purchase money security interest for household appliances, (e) a transfer to a relative resulting from the death of a Borrower, (f) a transfer where the spouse or children of the Borrower become an owner of the property, (g) a transfer resulting from a decree of dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the Borrower becomes an owner of the property. (h) a transfer into an inter vivos trust in which the Borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property, or (i) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board, Borrower shall cause to be submitted information required by Lender to evaluate the transferee as if a new loan were being made to the transferee. Borrower will continue to be obligated under the Note and this Mortgage unless Lender releases Borrower in writing. If Lender does not agree to such sale or transfer, Lender may declare all of the sums secured by this Mortgage to be immediately due and payable. if Lender exercises such option to accelerate, Lender shall mail' Borrower notice of acceleration in accordance with paragraph 12 hereof. Such notice shall provide a period of not less than 30 days from the date the notice is mailed or delivered within which Borrower'may pay the sums declared due. If Borrower fails to pay such sums prior to the expiration of such period, Lender may, without further notice or demand on Borrower, invoke any remedies permitted by paragraph 17 hereof. NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Mortgage, including the covenants to pay when due any sums secured by this Mortgage, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 30 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Mortgage, foreclosure by judicial proceeding, and sale of the Property. The 11-11-05 MTG 111111111 M 10111111111111111111111111111111111111111111 IN 111111111111111111111111111111111111111111 oil 1111 I ff "LOSCH ORIOINAL BK 1948PG4852 EXHIBIT (Page '7 of id) (Page 7 of 10) -7- notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the nonexistence of a default or any other defense of Borrower to acceleration and foreclosure. If the breach is not cured on or before the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this Mortgage to be immediately due and payable without further demand and may foreclose this Mortgage by judicial proceeding. Lender shall be entitled to collect in such proceeding all expenses of foreclosure, including, but not limited to, reasonable attorneys' fees and costs of documentary evidence, abstracts and title reports. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums by this Mortgage due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Mortgage discontinued at any time prior to entry of a judgment enforcing this Mortgage if: (a) Borrower pays Lender all sums which would be then due under this Mortgage and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower:contained in this Mortgage;.(c).Borrower pays all reasonable expenses incurred by Lender in enforcing the covenants and agreements of Borrower contained in this Mortgage, and in enforcing Lender's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Mortgage, Lender's interest in the Property-and Borrower's obligation to pay the sums secured by this Mortgage shall continue unimpaired. Upon'such payment and cure by Borrower, this Mortgage and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 14. Assignment of Rents. Appointment of Receiver. As additional security hereunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraplf:17 hereof, in abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 7 hereof or abandonment of the Property, Lender shall be entitled to have a receiver appointed by a court to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by she receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Mortgage. The receiver shall be liable to account only for those rents actually received. 20. Release. Upon payment of all sums secured by this Mortgage, Lender shall release this Mortgage without charge to Borrower. Borrower shall pay all costs of recordation, if any. 21. Waiver of Homestead. Borrower hereby waives all right of homestead exemption in the Property under state or Federal law. 22. Interest Rate After Judgment. Borrower agrees the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate stated in the Note. 23. Arbitration Rider to Note. The Arbitration Rider attached to and made a part of the Note is hereby incorporated by reference and made a part of this Mortgage. ii-11-05 MTG 11111111111111 INIIIIIIIIIIIIIII Oil III III 111IM111111111111111III111mill 1111111ININ1111111Oil 11II11111111 � LOSCH " ORIGINAL l OKI 9 4 8 PG 4 8 5 3 EXHIBIT B (Page 8 of 10) (Page 8 of 10) REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Mortgage to give Notice to Lender, at Lender's address set forth on page one of this Mortgage, of any default under the superior encumbranc and of any sale r other foreclosure action. t phen L Los-ch -Borrow enise M Losch -Borrower I hereby certify that the precise address of the Lender(Mortgagee)is: 25 Gateway Drive, Gateway Square/Suite 107, Mechanicsburg, PA 17055 On behalf of the Lender. By:_Ryan D Russell Title; Branch Manager COMMONWEALTH OF PENNSYLVANIA, CumharTand County ss: I, Lisa A Seay a Notary Public in and for said county and state, do hereby certify that Stephen personally known to me or proven satisfactorily to be the same persons whose names are subscribed,to the foregoing instrument, appeared before me this day in person, and acknowledge that they signed and delivered the said instrument as their free voluntary act, or the uses and purposes therein set forth. ��Giv4Q.pnder my hand and official seal, this 24th day of April 2006 J i• ''� �i� NOTARIAL SEAL on expires' LISA A SEAM %4"; �,'4., Notary PubtlG Q�.. •�: f+ CITY OF HARRISBURG,DAUPHIN COUNN o '•Tlat:1", .i �C�.a fi Mycomrnkslon Expires Jul 24,2007 , ,d•y� •, EALTH OF PENNSYLVANIA, County ss: �'��i� .,•••4.' 'tip a Notary Public in and for said county and state, do hereby personally known to me or proven satrs actonly to be the same persons whose name(s) subscribed to the foregoing instrument, appeared before me this day in person, and acknowledge that he signed and delivered the said instrument as free voluntary act,for the uses and purposes therein set forth. Given under my hand and official seal, this day of 20 My Commission expires: Notary Public 11-11-05 MTG - I �IIIIII III 11111111111111111111 ail 1111111111111111 ILII IIII 11111111111011111111111111110 1011 I1111 VII oil Illllll 111111 "LOSCR " ORIGINAL BK 1948PG4854 EXHIBIT (Page 9 of 10j (Page 9 of 10) y -9- (Space Below This Line Reserved For Leader and Recorder) I I I 11-11-05 MTG _ I SII III Il111�I IlI�IIII I�I IaII CIS��IIII��I IlIQI ISI III�a Ulll 11 11 l�11111111111 IN IN oil 101111111111111111111111 "LOSCH ' ORIGINAL BK 1948PG4855 EXHIBIT (Page 10 of SO) (Page 10 of 10) EXHIBIT A (PAGE 1) ALL THAT CERTAIN PROPERTY SITUATED IN THETOWNSHIP OF UPPER ALLEN IN THE COUNTY OF CUMBERLAND AND COMMONWEALTH OF PENNSYLVANIA, BEING MORE FULLY DESCRIBED IN A DEED DATED 08/30/1983 AND RECORDED 09/08/1983, AMONG THE LAND RECORDS OF THE COUNTY AND STATE SET FORTH ABOVE, IN DEED VOLUME J30 AND PAGE 144. TAX MAP OR PARCEL ID NO. : 42-28-2421-286 1 Certify this to be recorded In Cumberland County PA Recorder of Deeds 111111111110 1111111111111111111111111111111 lip 1111111111 IN 1111I11111111111111IN11111miIII INHIM 11 "LOSCH ■ ORIGINAL g I q WG 4 8 5 6 EXHIBIT B EXHIBIT "C" .ALL THAT`CERTA I N PROPERTY SITUATED IN THETOWNSH I P DF UPPER ALLEI IN THECOUNTY OF CUMBERLAND AMD CWI HEALTH OF PENM' LVAN t A. BEING MORE FUCLY DESCR I BM I N.A DEED DATED. 08130111988.AND-REC ED.0910811883, ANG THE, LAND RECORDS THE COUNTY AND STATE SET' FMO FORTH ABOVE, IN DEED VOLUME. JW AND PAGE 144. TAX_ MAP CA PARCEL 10' NO,. , 42-=28.2421--288 i I• f EXHIBIT C - -- . (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 40-7-4%% Beneficial* Member HSBC Q/Group �J Al—&,RSBC©Groin, SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 001138 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. RA STEPHEN L LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account#: _7471 EXHIBIT D (Page'2 of S) (Rev.9/2008) Date: 04/0$114 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE' This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages, The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help., you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DWS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency The name, address and phone number of Consumer Credit Counseling Agencies serving Ur o �n y are listed at the end of this Notice. If you have anyq u .s ions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call X717) 780-18691 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA 1MPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 1 of 5 EXHIBIT D (Page 3 of 8), HOMEOWNER'S NAME(S): STEPHEN L LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 LOAN ACCOUNT NO.:=7471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOiT MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE. AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30) days from the date of this Notice(plus three(3) days for mailing). During that time you must arrange and attend a"face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY- THREE (33)DAYS OF THE DATE OF THIS NOTICE IF YOU DO NOT APPLY FOR EMIERGENCY M RIGAGE ASSISTANCE,, YO S RING YOUR MORTGAGE UP TO DATF T14F PARTOF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE EMM T",EXPLAINS HOW TO BRIN YOUR MORTGAGE I TP TO DAT CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit _counseling agencies for the county in which the property is located are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only c(ag&tbedit Page 2 of 5 (Page 14 of 85 counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE ANIS FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RT HT TO FILE A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to dat4 NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges (explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** $815-91 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 J (Page 5 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash_ cashier's check, certified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 33510 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged propea. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30,) DAYen riod,you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT P IOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by�paying he total mon hen past due, plus any late or other charges then due, reasonable attorney' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performingamity other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 6 ,of 6 HOW TO CONTACT THE LENDER- Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefan Email: www.hfc.com EFFECT OFSHERIFF'S SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE TAF RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY TIED PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CRFDIT COTINSELLXG AGENCIES SERVING YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 7 of 85 HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:08/01/2013 09:57A1%4 Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing.Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,.PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave —=arrisbnmg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs Inc PHFA 40 F High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 - EXHIBIT D (Page 8' of 8) 1 EXHIBIT D (Page 1 of 8)` HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4M� PO BOX 1231 BRANDON FL 33509-1231 Beneficial® Member HSBC 4Z/Group .41—hr HSBC©G-1, SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 000137 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. STEPHEN L LOSCH 315 9TH ST NEW CUMBERLAND, PA 17070-1305 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account#: _7471 EXHIBIT D (Page'2 of 8,) (Rev.912008) Date: 94/4$/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HFMAP,) may be able to help o save your home This Notice explains how the program works To see if F, HFMAP can help, you must MEET WITH A CONSITMR CREDIT CSELING AGENCY WITHIN 33 DAYS OF THE DATE, OF THIS NOTICE Take his Notice with -you when meet with the Counseling Agency, The name, address and phone number of Consumer Credit Counseling Agencies c ruing y �r County are listed at the end of this No ice If you have any c ions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 1 of 5 EXHIBIT D (Page *3 of 8) HOMEOWNER'S NAME(S): STEPHEN L LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 LOAN ACCOUNT NO.:_7471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE FLIGIBIX FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30) days from the date of this Notice(plus three(3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY- THREE HIRTY THREE (331 DAYS OF THE DATE OF THIS NOTICE, IF YOU DO NOT APPLY FOR EMERGENC M RTGAGF ASSISTANCE,-YOU MUST BRING YOUR MORTGAGE T Jp TO DATE THF PART OF THIS NOTICE CAI T ED "HOW TO C1 IRE YOUR MORTGAGE DFFAI11 ", EXPLAINS HOW TO BRING YOUR MORTGAGE JP TO DATE CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers ofd ignated consumer credit counseling agencies for the county in wWch the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only c ffiffi�r5edit Page 2 of 5 (Page,4 of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON A4 POSSMI F. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE. THF RIGHT TO FILE A HFMAP APPLICATION EVEN BEYOND THESE TIME PERIOD A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTIO --Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TOC RE YOUR MORTGAGE DEFAULT ( ri gitp to date) NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges(explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** %815-91 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 5 of. 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. 'Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to, HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 33510 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. Ifyoucure the default within the THIRTY (30) DAY period,you will not he required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DF,FAIUT T PRIOR TO SHERIFF'S CALF If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent h sale ny Iim . p to one hour before the Sheriffs ale You may do so by the total amount then pa due, plus any late or other charges then due, reasonable a torn .y' fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other reghirement under h mo a g, Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 6 of 8) HOW TO CONTACT THE LVNDER: Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefani Email: www.hfc.com EFFECT OF SHERIFF'S SAL , --You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE HF RIGHT* • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 7 pf 8) HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report hist updated:08,01/20.13 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown.Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,.PA 17401 Waynesboro,.PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave —=arrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs Inc PHFA --AILE High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Page 8 of 8) EXHIBIT D (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 n Beneficial" Member HSBC 4D Croup If:•mhr HSPC©Grcr{r SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 001137 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. RM DENISE M LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account#: 1111111111111111111111111111117471 EXHIBIT D (Page 2- of 8) (Rev.9/2008) Date: 04/08/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages, The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP,) may be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,, you must MEET WITH A CONSiJMER CRF,DIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take this Notice with you when you meet with the Counseling Agency, The name, address and phone number of Consumer Credit Counseling Agencies serving Ur o un y are listed at the end of this Notice. If you have anyquestions,youu may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call (717) 780-18691 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page I of 5 EXHIBIT D (Page 3' of 8) HOMEOWNER'S NAME(S): DENISE M LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG,PA 17055-5532 LOAN ACCOUNT NO.:_7471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE,ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE. AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30) days from the date of this Notice(plus three (3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY- THREE (33)DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMIERGFNCY MORTGAGE ASSISTANCE., YOU MUST BRING YOUR MORTGAGE TP TO DATE, THE PART OF THIS NOTICE C ALLED "HOW TO C1 TRF.YO1 TR MORTGAGE FA JLT", EXPLAINS HOW TO BRIM YOURMORTGTAGTE I TP TO DAT CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the proplocated are set forth at the end of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE. ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only cyp&�rdedit Page 2 of 5 (Page 4- of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FRT E A HEMAP APPLICATION EVEN BEYOND THESE TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE: DEFAULT (Bring it U11 to da1 NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges(explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** $815.91 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 5 of 8)' *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 3 3 510 IF YOU DO NOT CURE. THE DEFA UL.T -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate h . mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property_ IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30)DAY period,you will not he required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE-- If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, you still have h right to cure the default and prevent the sale at an, time up to one hour before the Sheriffs Sale You m y do so by 12 ing the total amount then past due, plus late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performingny other re. iremenI inder the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE -- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 6 of 3) HOW TO CONTACT THE LENDER- Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefani Email: www.hfc.com EFFECT OF SHERIFF'S SAIF --You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or x_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT• • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMFR CRFDIT COUNSELING AGENCIES SERVIN(' YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 7 of '8) _HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report Inst updated:08/01/2013 09:57 AM Advantage Credit Counseling Service/C'CCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,.PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave —=arrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs Inc PHFA 40 F High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Page'8 of 89 EXHIBIT D (Page 1 -of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC PO BOX 1231 BRANDON FL 33509-1231 Beneficial Mcmber HSBC 4D Group Alan!&,HSBC©Gr q, SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 000136 DR Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. DENISE M LOSCH 315 9TH ST NEW CUMBERLAND, PA 17070-1305 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account#: -7471 EXHIBIT D (Page 2- of 8) (Rev.9/2008) Date: 04/08/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached pages.. The HOMEOWNER' .M R FN Y MORTGAGE ASSISTANCE PROGRAM (HFMAP) may be able to help o save your home This Notice explains how the program works. To see if HE.MAP can heli,you must MF.F.T WITH A CONSITMFR CRFDIT COUNSELING AGENCY WITHIN 33 DAYS OF THF. DATE, OF THIS NOTICE, Take his Notice with you when you meet with the Councelin2 Agency, The name, address and phone number of Consumer Credit Counseling Agencies �prving your County are listed at the end of this Notice. If you have any q ion , you may call the Pennsylvania Housing Finance Agency toll free at 1-800-34i-2397...(Persons with impaired hearing can call (717) 780-18691 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADTUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page I of 5 EXHIBIT D (Page 3 -of o HOMEOWNER'S NAME(S): DENISE M LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 LOAN ACCOUNT NO.:_7471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSI TANC .WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE. FUTURE MORTGAGE,PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30) days from the date of this Notice(plus three(3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY- THREE (33) DAYS OF TAF DATE OF THIS NOTT F. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE, THF. P R OF THIS NOTICE CALLED "HOW TO CURT YOUR MORTGAGE DEFAULT", EXPLAINS HOW TOB IN r YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the 1Lhelly is located are set forth at the end of this Notice. 1_t is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only c(sprdedit "D7R I ^fG (Page 4 of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AM FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THF.RICHT TO FILE A HEMAP APPLICATION EVEN BEYOND HESE TIME PERIOD A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION --Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to da1 NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges(explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** S81591 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 5 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE.LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30)DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 33510 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt, This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of.the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period,you will not he required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE,-- If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, you still have the right o cur the default and prevent the sale at any tim p to one hour before the Sheriffs Sale You may do so y paying the total amount then s due, plus late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requn uirements der the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 6 -of 8) HOW TO CONTACT THE LENDER* Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefani Email: www.hfc.com EFFECT OFSHERIFF'S SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE --You may or x_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT* • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER RFDTT COUNSELING AGENCIES S RVIN YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 7, of '8) HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:08/01/2013 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,P. 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave —'f Mrrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-5913 –=Interfaith Community Programs Inc PHFA 40 High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Pacte 8 of 8) EXHIBIT D (Page 1 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO PO BOX 1231 BRANDON FL 33509-1231 7190 0005 4730 1058 1030 001138 3.78 STEPHEN L LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 EXHIBIT D (Page 2 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC PO BOX 1231 BRANDON FL 33509-1231 Beneficial® Member HSBC 1Z/Croup ij mi-RSBC©G— SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 001138 3.78 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. STEPHEN L LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 04/08/14 Re: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 Account#: _7471 EXHIBIT D (Page 3 of 8) (Rev.9/2008) Date: 04/08/14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached Rages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) mmay be able to help to save your home. This Notice explains how the program works. To see if HEMAP can help,,you must MEET WITH A CONSiTMF,R CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Aged The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions,_..you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-18691 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 1 of 5 EXHIBIT D (Page 4' of 8) HOMEOWNER'S NAME(S): STEPHEN L LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 LOAN ACCOUNT NO.: =471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice(plus three(3) days for mailing). During that time you must arrange and attend a"face-to-face"meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING M T OCCUR WITHIN THIRTY- THREE(33)DAYS OF THE DATE OF THIS NOTICE. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MIDST BRING YOUR MORTGAGE UP TO DATE THF P RT OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEEM JLT", EXPLAINS HOW TO BRIM YOUR MORTGAGE LTP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the 1Lpe ti y is located are set forth at the end oft is Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only c cdedit Page 2 of 5 (Page 5 •of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE THE RIGHT TO FILE A HFMAP APPLICATION EVEN BEYOND T TIME PERIODS. A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WELL BE STOPPED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) SLOW TO CURE YOUR MORTGAGE DEFAULT (ung it up to date) NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges(explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** $815.91 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 6 of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. moments must be made either by cash, cashier's check, certified check or money order made payable and sent to HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 33510 IF YOU DO NOT CUR . THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate th mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged prop IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period,you will not he required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO 6 HERIFF'S CALF If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent thesale a any ti hour before the Sheriffs Sale- You may do so by payng the total amount then past due,_ In us any late or other ch rres then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other requirements under the mortgage- Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 7 �f 8) HOW TO C'ONTAC'T THE T ENDFR- Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefani Email: www.hfc.com EFFECT GE-SHERIFF'S HFRIFF' SALE -- You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or X_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT• • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSU FR CRFDIT CO"SELING AGENCIES SERVING YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 8 -of 8) TIEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:08/01/2013 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Iiousing Alliance of York/Y Housing.Resources Maranatha 290 West Market Street 43 Philadelphia•Avenue York,PA 17401 'Waynesboro,.PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStonc Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Page 1 'of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO PO BOX 1231 BRANDON FL 33509-1231 7190 0005 47301057 1024 000137 3.78 STEPHEN L LOSCH 315 9TH ST NEW CUMBERLAND, PA 17070-1305 EXHIBIT D (Page 2' of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 n Beneficial® Member HSBC Q►Croup Uc ntrr KSBC D(;—p SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 000137 3.78 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. STEPHEN L LOSCH 315 9TH ST NEW CUMBERLAND, PA 17070-1305 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account* X471 EXHIBIT D (Page 3 of 8) (Rev.9/2008) Date: 94/0$114 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in default, and the lender intends to foreclose. Specific information about the natur . of the default is provided In the attached Ages. The HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the program works To see if HEMAP can heli, you must MEET WITH A CON. TTMF.R CRF DTT CO NSF,T,INCG AGENCY WITHIN 33 DAYS OF THF. DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies serving y �r County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397 (Persons with impaired hearing can call 717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 1 of 5 EXHIBIT D (Page 4' of 8) HOMEOWNER'S NAME(S): STEPHEN L LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 LOAN ACCOUNT NO.:_7471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY RE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE. AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30)days from the date of this Notice(plus three (3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY- THREE 33) DAYS OF THE DATE OF THIS NOTICE. IF YOU O NOT APPLY FOR EMERGENCY RIGAGE ASSISTANCE, YOU MUST BRINGYOUR MORTGAGE UP TO DAT THF PART OF THIS NOTICE I.T.F. "HOW TO CURE YO UR MORTGACTF DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE TA UP TO DATE CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the county in which the property is located are set forth at the end of this Notice, It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE, ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only ccns (ffedit Page 2 of 5 (Page 5 'of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE ANIS FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOT T HAVE THE RIGHT TO FILE A HEMAP APPLICATION EVEN BEYOND F TIME PERIODS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTIO --Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE, DEFAULT (Bring it up to datel NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges(explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** $815-91 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 6 of `8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE, THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. moments must be made either by cash, cashier's check, certified check or money order made payable and sent to, HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 33510 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose u1jon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30)DAY perood,you will not he required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE.THE DEFAULT PRIOR TO SHERIFF'S SALE _ If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, you still have he right o cur . the default and prevent the sale at any time up to one hour before the Sheriffs Sale. You may do so by 12 the total amount then past due,_plus y late or other charges then due, reasonable attorney's-fee-, and cosis connected with the foreclosure -sale nd any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other r uiremen ander the mortgage- Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 7 of 8) HOW TO CONTACT THE LENDER: Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefani Email: www.hfc.com EFFECT OF HF.RIFFF'S SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or x_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU A ALSO HAVE THE RIGHT* • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CRFDIT COUNSYLING AGENCTES SERVING YOUR COUNTY Page 5 of 5 EXHIBIT D (Page 8' of 8) -HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:08/01/20.13 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing.Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs.Inc PHFA 40 E High Street 21.1 North Front Street Gettysburg,PA 17325 Harrisburg,PA 1711.0 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Page 1 .of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO PO BOX 1231 BRANDON FL 33509-1231 7190 0005 4730 1057 1017 000138 3.78 DENISE M LOSCH 315 9TH ST NEW CUMBERLAND, PA 17070-1305 EXHIBIT D (Page 2 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC 4D PO BOX 1231 BRANDON FL 33509-1231 Beneficial Member HSBC Q/Group 'ilm&r►LSBC©G-1, SENT BY CERTIFIED MAIL AND REGULAR MAIL(WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 000136 3.78 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. DENISE M LOSCH 315 9TH ST NEW CUMBERLAND, PA 17070-1305 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account#: -7471 EXHIBIT D (Page 3 of 8) (Rev.912008) Date: 94/0$[14 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE* This is an official notice that the mortgage on your home is in default, and the lender intends to e n foreclose. Specific information about thature of the default is provided in the attached Rages. The HOMEOWNER'S EMERGENCY MORTGAGE ASTAN E PROGRAM (HEEMAP,) may be able to help to save your home. This Notice explains how the program works. To see if HF.MAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counseling Aged The name, address and phone number of Consumer Credit Counseling Agencies serving your County are listed at the end of this Notice. If you have any questions,-you may call the Pennsylvania Housing Finance Agency toll free at 1-800-342-2397. (Persons with impaired hearing can call (717) 780-18691 This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CURL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 1 of 5 EXHIBIT D (Page 4'of 8) HOMEOWNER'S NAME(S): DENISE M LOSCH PROPERTY ADDRESS: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 LOAN ACCOUNT NO.:-7471 ORIGINAL LENDER: HOUSEHOLD FIN CONSUMER DISCOUNT CO CURRENT LENDER/SERVICER: HOUSEHOLD FIN CONSUMER DISCOUNT CO HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR ROME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"),YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: • IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, • IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND • IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE --Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty(30) days from the date of this Notice(plus three(3) days for mailing). During that time you must arrange and attend a"face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THIRTY T RF , 331 DAYS OF THE DATE OF THIS NOTICE, IF YOU DO NOT APPLY FOR EMERGENCY MORIGA .A SISTANCE, YOU MIST BRING YO1 TR MORTGAGE I1P TO AT HF PART OF THIS NOTICE T "HOW TO CURE Y01 JR MORTGAGE DEFAII T", EXPLAINS 14OW TO BRING YOUR MORTGAGE I TP TO DATE CONSUMER CREDIT COUNSELING AGENCIES --If you meet with one of the consumer credit counseling agency listed at the end of this notice, the lender may NOT take action against you for thirty(30) days after the date of this meeting. The nam , addresses and telephone numbers of designated consumer r cr di counseling agencies for the county in which the property is located are set forth at theend of this Notice It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE --Your mortgage is in default for the reasons set forth later in this Notice(see following pages for specific information about the nature of your default.) You have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only cW (6edit Page 2 of 5 (Page 5' of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30) days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSTBT F. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AND FILE AN APPLICATION WITH PHFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE: THE RIGHT TO AP APPT IC'ATTON EVEN BEYOND HF SF TIME PFRrnnc A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY ACTION --Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGA(`E DEFAULT (Bring it u to date), NATURE OF THE DEFAULT -- The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges (explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** S815,91 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 6 'of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. moments must be made either by cash, cashier's check, certified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 3 3 510 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice,the lender intends to exercise its rights to accelerate the mortgage debt, This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged property IF THE MORTGAGE IS FORECLOSED UPON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred,up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY(30,)DAY period,you will not be required to pay attorney's fees. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SH . TFF'S SALE-- If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun,you still have the right to cure the default and prevent the sale at any up to one hour before the Sheriffs Sale. You may do so by paying the total amount then c due, plus any late or other charges then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as specified in writing by the lender and byperforming any other r uirements under the mortgage- Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page 8 of 8) HEMAP Consumer Credit Counseling Agencies CUMBERLAND County Report last updated:08,01/2013 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown.Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street. 43 Philadelphia Avenue York,PA 17401 Waynesboro,PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs.Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D (Page 1 -of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO PO BOX 1231 BRANDON FL 33509-1231 7190 0005 4730 1058 1023 001137 3.78 DENISE M LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 EXHIBIT D (Page 2 of 8) HOUSEHOLD FIN CONSUMER DISCOUNT CO HSBC /D PO BOX 1231 BRANDON FL 33509-1231 Beneficial* Member HSBC 4D Group Afcmirr HSBC©Gr- SENT RY CERTIFIED MAIL AND REGULAR MAI (WITH CERTIFICATE OF MAILING) If you have questions,please contact us at 1-866-824- 0824.Our hours of operation are Monday through 001137 3.78 Thursday 8 am-7 pm ET and Friday 8 am-4 pm ET. DENISE M LOSCH 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532 Re: 13 KIM ACRES DR 04/08/14 MECHANICSBURG, PA 17055-5532 Account#: 471 EXHIBIT D (Page 3' of 8) (Rev.9/2008) I Date: 04/08/14 ACT 91 NOTICE TAKE, ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortgage on your home is in defy u1 , and the lender intends to foreclose Specific information,about the nature of the default is provided in the attached pages The'ROMEOWNER'S EMERGENCY MORTGAGE AISTAN PRO TRAM ( MAP) may be able to help o save-your home This Notice explains how theprogram works. To see if HF,MAP can helR. you must MEET WITH A CONSTTMER CRE nTT COITNSEI ING AGENCY WITHIN 33 DAYS OF THE DATE OF THIS NOTICE Take his Notice with you when you meet with the Counseling Agency. The name, address and phone number of Consumer Credit Counseling Agencies Cerving your County are listed at the end of this Notice If you have any s ions, you mamayac ll the Pennsylvania Housing Finance Agency toll free at 1-800-342 2397 (Persons wiihimipaired hearing can call (717) 780-1869) This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES.AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCC16N INMEDIATAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDE SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. Page 1 of 5 EXHIBIT D r (Page 5 of 8) counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. To temporarily stop the lender from filing a foreclosure action, your application MUST be forwarded to PHFA and received within thirty(30)days of your face-to-face meeting with the counseling agency. YOU SHOULD FILE A HEMAP APPLICATION AS SOON AS POSSIBLE. IF YOU HAVE A MEETING WITH A COUNSELING AGENCY WITHIN 33 DAYS OF THE POSTMARK DATE OF THIS NOTICE AM FILE AN APPLICATION WITH PI-IFA WITHIN 30 DAYS OF THAT MEETING, THEN THE LENDER WILL BE TEMPORARILY PREVENTED FROM STARTING A FORECLOSURE AGAINST YOUR PROPERTY, AS EXPLAINED ABOVE, IN THE SECTION CALLED "TEMPORARY STAY OF FORECLOSURE". YOU HAVE TAF RIGHT TO FH,-F A ffFMAP APPLICATION EVEN BEYOND AF4F TIME PFRTopS A LATE APPLICATION WILL NOT PREVENT THE LENDER FROM STARTING A FORECLOSURE ACTION, BUT IF YOUR APPLICATION IS EVENTUALLY APPROVED AT ANY TIME BEFORE A SHERIFF'S SALE, THE FORECLOSURE WILL BE STOPPED. AGENCY A .TION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty(60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (ring it up to date) NATURE OF THE DEFAULT --The MORTGAGE debt held by the above lender on your property located at: 13 KIM ACRES DR MECHANICSBURG, PA 17055-5532. IS SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: $30,297.02 for the months of 08/28/2012 through 04/08/14. Principal and Interest $29544.52 Escrow Due $0.00 Other Charges (explain/itemize): Credit Insurance/Optional Products $0.00 Late Fees $0.00 Ancillary Fees** $0.00 Uncollected Fees*** U1191 TOTAL AMOUNT PAST DUE: $30,297.02* EXHIBIT D Page 3 of 5 (Page 6 -of 8) *The current sum of the amounts itemized above may be greater because they may not account for a recently added late fee or funds held in suspense(if any). ** This amount could include advances for delinquent property taxes, lender placed insurance, and homeowner's association fees. *** This amount could include the following uncollected charges: optional products, late charges, principal and interest advanced, bankruptcy fees, foreclosure fees, property valuation fees, and property maintenance fees. HOW TO CURE THE DEFAULT -- You may cure the default within THIRTY(30)DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $30,297.02; PLUS ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY(30)DAY PERIOD. Payments must be made either bydash, cashier's check, certified check or money order made payable and sent to: HOUSEHOLD FIN CONSUMER DISCOUNT CO 636 Grand Regency Blvd Brandon, FL 33510 IF YOU DO NOT CURE THE DEFAULT -- If you do not cure the default within THIRTY(30)DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate h mortgage debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY(30)DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortgaged propeM. IF THE MORTGAGE I4 FORECLOSED D PON -- The mortgaged property will be sold by the Sheriff to pay off the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY(30)DAY period,you will not he required o pay attorne 'y sof mss. OTHER LENDER REMEDIES-- The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE, THE DEFAULT PRIOR TO SHERIFF'S SALE If you have not cured the default within the THIRTY(30)DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any im n to one hour before the Sheriffs Sale, You may do so by 1) the total amount then past due,_pluss anlate or other ch rges then due, reasonable attorney's fees and costs connected with the foreclosure sale and- any other costs connected with the Sheriffs Sale as specified in writing by the lender and by performing any other req .uiremen s and r h mo gage Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE-- It is estimated that the earliest date that such a Sheriffs Sale of the mortgaged property could be held would be approximately four to six months from the date of this Notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. Page 4 of 5 EXHIBIT D (Page '7 of 8) HOW TO C'ONTAC'T THE i ENDER• Name of Lender: HOUSEHOLD FIN CONSUMER DISCOUNT CO Address: P.O. Box 967 Brandon, FL 33509-0967 Phone Number: 1-866-824-0824 Fax Number: 1-888-778-3811 Contact Person: James Stefani Email: www.hfc.com EFFECT OF SHERIFFS SALE --You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You may or x_may not (CHECK ONE) sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: • TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. • TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. • TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) • TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. • TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. • TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. CONSUMER CRFDjT COUNSELING A FN IFS SERVING YOUR COUNTY NT Page 5 of 5 EXHIBIT D (Page 8 of 8) HEMAP Consumer Credit CounselinA2encies CUMBERLAND County Report last updated:08/01/2013 09:57 AM Advantage Credit Counseling Service/CCCS of Western PA Community Action Commission of Capital Region 2000 Linglestown Road 1514 Derry Street Harrisburg,PA 17102 Harrisburg,PA 17104 888-511-2227 717-232-9757 Housing Alliance of York/Y Housing Resources Maranatha 290 West Market Street 43 Philadelphia Avenue York,.PA 17401 Waynesboro,.PA 17268 717-855-2752 717-762-3285 PathStone Corporation PathStone Corporation 1625 North Front St 450 Cleveland Ave Harrisburg,PA 17102 Chambersburg,PA 17201 717-234-6616 717-264-591.3 PA Interfaith Community Programs Inc PHFA 40 E High Street 211 North Front Street Gettysburg,PA 17325 Harrisburg,PA 17110 717-334-1518 717-780-3940 800-342-2397 _ EXHIBIT D FORM I Household Finance Consumer Discount Company 1N 'THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA vs. Denise M. Losch and Stephen L. Losch Civil Defendants NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court-supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer,you must take the following steps to be eligible for a conciliation conference. First, within twenty(20)days of your receipt of this notice, you must contact MidPenn Legal Services at(717)243-9400 extension 2510 or(800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty(20)days of the appointment date. During that meeting,you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto,the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer,you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However,you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto,your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60)days of the service upon you of the foreclosure complaint. if you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME,YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Res ectfully submitted: b Date [Signature f Counsel for Plaintiff] 14-102934 Page 1 FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date: Cumberland County Court of Common Pleas Docket# BORROWER REQUEST FOR HARDSHIP ASSISTANCE To complete your request for hardship assistance,your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOM Borrower name(s): Property Address: City: State: Zip: Is the property for sale? Yes❑No❑ Listing date: Price$ Realtor Name: Realtor Phone: Borrower Occupied? Yes❑No❑ Mailing Address(if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: # of people on household: How long? CO-BORROWER Mailing Address(if different): City: State: Zip: Phone Numbers: Home: Office: Cell: Other: Email: #of people on household: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Second Mortgage Lender: Type of Loan: Loan Number: Total Mortgage Payment Amount$ Included Taxes&Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes 0 No ❑ If yes, provide names, location of court, case number&attorney: Assets Amount Owed: Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile#l: Model: Year: Amount owed: Value: Automobile#2: Model: Year: Amount owed: Value: Other transportation(automobiles,boats,motorcycles): Model Year: Amount owed: Value: Monthly Income Name of Employers: I. 2. 3. Additional Income Description(not wages): 1. monthly amount: 2. monthly amount: Borrower Pay Days: Co-Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2"d Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Da /Child Care/Tuft. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income&Expenses: Have you been working with a Housing Counseling Agency? Yes❑No❑ If yes, please provide the following information: Counseling Agency: Counselor: Phone(Office): Fax: 2 Email: Have you made application for Homeowners Emergency Mortgage Assistance Program(HEMAP)assistance? Yes❑No❑ If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your deliquency? Yes❑No ❑ If yes,please indicate the status of those negotiations: Please provide the following information,if known,regarding your lender or lender's loan servicing company: Lender's Contact(Name): Phone: Servicing Company(Name): Contact: Phone: I/We, authorize the above named to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obiligation to use the services provided by the above named Borrower Signature Date Co-Borrower Signature Date Please forward this document along with the following information to lender and lender's counsel: Proof of income Past 2 bank statements Proof of any expected income for the last 45 days f Copy of a current utility bill Letter explaining reason for delinquency and any supporting documentation (hardship letter) r Listing agreement(if property is currently on the market) 3 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY .u -OFFICE i Nt. r`r.OTHuhOTAR`- 2014 NOV -3 Ph 3: 56 CUMBERLAND COUNTY PENNSYLVANIA Household Finance Consumer Discount Company vs. Denise M Losch (et al.) Case Number 2014-6244 SHERIFF'S RETURN OF SERVICE 10/29/2014 11:53 AM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Stephen L. Losch, husband, who accepted as "Adult Person in Charge" for Denise M Losch at 13 Kim Acres Drive, Upper Allen, Mechanicsburg, PA 17055. RONALD HOOVER, DUTY 10/29/2014 11:53 AM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Stephen L Losch at 13 Kim Acres Drive, Upper Allen, Mechanicsburg, PA 1 5. RONALD HOOVER, DEPU SHERIFF COST: $55.30 SO ANSWERS, October 30, 2014 RONNY R ANDERSON, SHERIFF (c) County; a to Shrift, Te eosoft. Inc. McCABE, WEISBERG & CONWAY, P.C. BY: TERRENCE J. MCCABE, ESQUIRE - ID # 16496 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Denise M. Losch and Stephen L. Losch Defendants Cumberland County Court of Common Pleas No. 14-6244 MOTION TO LIFT STAY OF PROCEEDINGS (71 c.� FN.) Plaintiff, Household Finance Consumer Discount. Company, hereby motions this Court to remove the captioned mortgage foreclosure action from the Cumberland County Residential Mortgage Foreclosure Program ("the Program"), and in support thereof avers as follows: 1. This is an action in mortgage foreclosure brought by Household Finance Consumer Discount Company against Denise M. Losch and Stephen L. Losch. 2. This case is currently under a stay pursuant to paragraph (b) of the Cumberland County Administrative Order dated February 28, 2012, which establishes the Mortgage Foreclosure Diversion Program. 3. Denise M. Losch and Stephen L. Losch were served a true and correct copy of the original complaint in mortgage foreclosure, filed on October 27, 2014, to their last known address of 13 Kim Acres Drive, Mechanicsburg, Pennsylvania 17055. A true and correct copy of the Sheriff's return of service is attached hereto as Exhibit "A". 4. Denise M. Losch and Stephen L. Losch were served with the Notice of Residential Mortgage Foreclosure Diversion Program and Financial Worksheet on October 27, 2014 to their last known address of 13 Kim Acres Drive, Mechanicsburg, Pennsylvania 17055. A true and correct copy of the Notice of Residential Mortgage Foreclosure Diversion Program is attached hereto as Exhibit "B". 5. It has been more than sixty days since Defendants were served with the Notice of Residential Mortgage Foreclosure Diversion Program and Financial Worksheet and Defendants have not elected to participate in the Program by taking the affirmative steps identified in the Notice of Residential Mortgage Foreclosure Diversion Program, and have not filed a Request for Conciliation Conference. 6. For the reasons set forth herein, the aforementioned stay of proceedings should be lifted to allow Plaintiff to proceed with the instant mortgage foreclosure action. WHEREFORE, it is respectfully requested that the Court enter an Order lifting the stay of proceedings, and for such further relief as the Court deems appropriate. MCCABE, WEISBERG & CONWAY, P.C. By: Terrence J. McCabe, Esquire McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. MCCABE, ESQUIRE - ID # 16496 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Denise M. Losch and Stephen L. Losch Defendants Attorneys for Plaintiff Cumberland County Court of Common Pleas No. 14-6244 CERTIFICATE OF SERVICE I, Joseph I. Foley, Esquire, hereby certify that a true and correct copy of Plaintiff's Motion to Lift the Stay of Proceedings Pursuant to Cumberland County Administrative Order dated February 28, 2012, was served on the below named person(s) by regular first class mail, postage prepaid, on December 30`h, 2014. Denise M. Losch 13 Kim Acres Drive Mechanicsburg, Pennsylvania 17055 Dated: I2\ \F1 Stephen L. Losch 13 Kim Acres Drive Mechanicsburg, Pennsylvania 17055 Terrence J. McCabe, Esquire Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Household Finance Consumer Discount Company vs, Denise M Losch (et al.) Case Number 2014-6244 SHERIFF'S RETURN OF SERVICE 10/29/2014 1 1:53 AM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by handing a true copy to a person representing themselves to be Stephen L. Losch, husband, who accepted as "Adult Person in Charge" for Denise M Losch at 13 Kim Acres Drive, Upper Allen, Mechanicsburg, PA 17055. R S NALD HOOVER, DffieUTY 10/29/2014 11:53 AM - Deputy Ronald Hoover, being duly sworn according to law, served the requested Notice of Residential Mortgage Foreclosure Diversion Program and Complaint in Mortgage Foreclosure by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Stephen L Losch at 13 Kim Acres Drive, Upper Allen, Mechanicsburg, PA 17Or5, SHERIFF COST: $55.30 October 30, 2014 r•� 77-V' RONALD HOOVER, DEPU SO ANSWERS, RONIJY R ANDERSON, SHERIFF pa Ca mh'Sua 6hwr'it, 1 e1e0s3a Inc Exhibit A FORM 'Household Finance Consumer Discount Company Plaintiff vs. Denise M. Losch and Stephen L. Losch Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Civil NOTICE OF RESIDENTIAL MORTGAGE FORECLOSURE DIVERSION PROGRAM You have been served with a foreclosure complaint that could cause you to lose your home. If you own and live in the residential property which is the subject of this foreclosure action, you may be able to participate in a court -supervised conciliation conference in an effort to resolve this matter with your lender. If you do not have a lawyer, you must take the following steps to be eligible for a conciliation conference. First, within twenty (20) days of your receipt of this notice, you must contact MidPenn Legal Services at (717) 243-9400 extension 2510 or (800) 822-5288 extension 2510 and request appointment of a legal representative at no charge to you. Once you have been appointed a legal representative, you must promptly meet with that legal representative within twenty (20) days of the appointment date. During that meeting, you must provide the legal representative with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your legal representative complete a financial worksheet in the format attached hereto, the legal representative will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. If you are represented by a lawyer, you and your lawyer must take the following steps to be eligible for a conciliation conference. It is not necessary for you to contact MidPenn Legal Service for the appointment of a legal representative. However, you must provide your lawyer with all requested financial information so that a loan resolution proposal can be prepared on your behalf. If you and your lawyer complete a financial worksheet in the format attached hereto, your lawyer will prepare and file a Request for Conciliation Conference with the Court, which must be filed with the Court within sixty (60) days of the service upon you of the foreclosure complaint. If you do so and a conciliation conference is scheduled, you will have an opportunity to meet with a representative of your lender in an attempt to work out reasonable arrangements with your lender before the mortgage foreclosure suit proceeds forward. IF YOU WISH TO SAVE YOUR HOME, YOU MUST ACT QUICKLY AND TAKE THE STEPS REQUIRED BY THIS NOTICE. THIS PROGRAM IS FREE. Date R, \ Respectfully submitted: 14-102934 Pagel Exhibit B FORM 2 Cumberland County Residential Mortgage Foreclosure Diversion Program Financial Worksheet Date: Cumberland County Court of Common Pleas Docket # BORROWER REQUEST FOR IIARDSIIIP ASSISTANCE To complete your request for hardship assistance, your lender must consider your circumstances to determine possible options while working with your Please provide the following information to the best of your knowledge: CUSTOMER/PRIMARY APPLICANT Borrower name(s): Property Address: City: Is the property for sale? Realtor Name: Yes 0 No 0 Listing date: State: Borrower Occupied? Yes 0 No 0 Mailing Address (if different): City: Price $ Realtor Phone: Zip: Phone Numbers: Home: Cell: Email: # of people on household: State: Office: Other: Zip: How long? CO -BORROWER Mailing Address (if different): City: State: Phone Numbers: Home: Cell: Email: # of people on household: Office: Other: Zip: How long? FINANCIAL INFORMATION First Mortgage Lender: Type of Loan: Loan Number: Second Mortgage Lender: Type of Loan: Loan Number: Date You Closed Your Loan: Total Mortgage Payment Amount $ Included Taxes & Insurance: Date of Last Payment: Primary Reason for Default: Is the loan in Bankruptcy? Yes 0 No 0 If yes, provide names, location of court, case number & attorney: Assets Amount Owed: Value Home: $ $ Other Real Estate: $ $ Retirement Funds: $ $ Investments: $ $ Checking: $ $ Savings: $ $ Other: $ $ Automobile #l: Model: Year: Amount owed: Value: Automobile #2: Model: Year: Amount owed: Value: Other transportation (automobiles, boats, motorcycles): Model Year: Amount owed: Value: Monthly Income Name of Employers: 1. 2. 3. Additional Income Description (not wages): I . monthly amount: 2. monthly amount: Borrower Pay Days: Co -Borrower Pay Days: Monthly Expenses: (Please only include expenses you are currently paying) EXPENSE AMOUNT EXPENSE AMOUNT Mortgage Food 2nd Mortgage Utilities Car Payment(s) Condo/Neigh. Fees Auto Insurance Med. (not covered) Auto fuel/repairs Other prop. payment Install. Loan Payment Cable TV Child Support/Alim. Spending Money Day/Child Care/Tuit. Other Expenses Amount Available for Monthly Mortgage Payments Based on Income & Expenses: Have you been working with a Housing Counseling Agency? Yes 0 No 0 If yes, please provide the following information: Counseling Agency: Counselor: Phone (Office): Fax: Have you made application for Homeowners Emergency Mortgage Assistance Program (HEMAP) assistance? Yes O No ❑ If yes, please indicate the status of the application: Have you had any prior negotiations with your lender or lender's loan servicing company to resolve your deliquency? Yes 0 No 0 If yes, please indicate the status of those negotiations: Please provide the following information, if known, regarding your lender or lender's loan servicing company: Lender's Contact (Name): Phone: Servicing Company (Name): Contact: 1/We, named Phone: , authorize the above to use/refer this information to my lender/servicer for the sole purpose of evaluating my financial situation for possible mortgage options. I/We understand that I/we am/are under no obiligation to use the services provided by the above named Borrower Signature Co -Borrower Signature Date Date Please forward this document along with the following information to lender and lender's counsel: f Proof of income f Past 2 bank statements f Proof of any expected income for the last 45 days f Copy of a current utility bill f Letter explaining reason for delinquency and any supporting documentation (hardship letter) if Listing agreement (if property is currently on the market) 3 McCABE, WEISBERG & CONWAY, P.C. BY: TERRENCE J. MCCABE, ESQUIRE - ID # 16496 123 South Broad Street, Suite 1400 Philadelphia, Pennsylvania 19109 (215) 790-1010 Household Finance Consumer Discount Company Plaintiff v. Denise M. Losch and Stephen L. Losch Defendants Cumberland County Court of Common Pleas No. 14-6244 9c.ss4'l_) ORDER AND NOW, this G` day of 20 /J , upon consideration of Plaintiff's Motion to Lift the Stay of Proceedings Pursuant to Cumberland County Administrative Order dated February 28, 2012, and any opposition thereto, it is hereby ORDERED and DECREED that: The stay of proceedings is hereby lifted, and Plaintiff may proceed with it's action in mortgage foreclosure in accordance with the applicable rules of civil procedure. Co C£S P2v-acki `T.' !?2eCa✓ -0EAJ t rE. Lasck. Oalt-t4 t BY THE COURT: